1. HMO's
In some instances HMOs give their doctors financial bonuses for not ordering tests or referring their patients to specialists. Some HMOs pay doctors according to a "withhold" system, in which some of the money the doctors are owed is held back and paid only at the end of the year, and only if the doctors have not ordered too many tests or referred too many patients to specialists ("Did You Know"). ... However when needless tests and procedures are done the treatment will cost more. ... This is a typical nonspecific symptom, so naturally some tests are done. ...
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